Small Business Loan Calculator
See estimated payments before you apply
Use the calculator below to estimate payments on a working capital loan, business line of credit, term loan or equipment lease. It takes a minute, it starts with no hard credit pull, and you see the programs your business may fit before you talk to anyone.
Instant Loan & Lease Calculator
No waiting around for anyone to get back to you with a small business loan quote. Our small business loan calculator instantly returns the loan terms and rates you pre-qualify before you apply.
Small Business Loans
Our small business loan calculator results are tailor matched to your small businesses specific needs. Instant small business loan quotes that can be funded in as little as 24 hours.
Small Business Loan Calculator
Using the latest advancements in AI technologies our small business loan calculator quotes are the most accurate instant loan quotes available anywhere.
Choose The Right Loan Quote
We make it easy for you to choose the small business quote that is right for you. All the loan quotes offered to you are matched to your specific needs, just pick one when you are ready.We don’t sell your information.
Three steps to a payment estimate
- Enter the amountHow much you need, or the price of the equipment
- Pick the productWorking capital, line of credit, term loan or equipment lease
- See your estimatePayments and the programs your business may qualify for
- Apply when readyOne application; we match you with lenders
What sets your rate and payment
How an equipment lease payment works
Equipment leases are often quoted with a lease rate factor. Multiply the equipment cost by the factor to get the monthly payment. Example: a $50,000 machine at a 0.0244 factor for 48 months is $50,000 × 0.0244 = $1,220 a month, or $58,560 over the term. See what a lease rate factor is.
This is an example only. Your factor depends on credit, time in business, equipment type and term.
Loan, line of credit or lease?
| Equipment lease / EFA | Business line of credit | Working capital loan | |
|---|---|---|---|
| Best for | Equipment and vehicles | Ongoing cash flow swings | A one-time need |
| Term | Up to 60 months | Revolving; draw as needed | 3–24 months |
| Payments | Monthly, fixed | On what you draw | Daily, weekly or monthly |
| Typical minimum credit | 600 | 650 | 550 |
| Time in business | Startups considered | 2+ years | 6+ months |
Application-only limits vary by credit, time in business, equipment type and industry; published amounts are guidance, not a promise.
Why many owners lease instead of paying cash
Leasing is an inflation buster with a fixed payment while prices rise, and cash flow management with a low capital outlay compared with buying outright. Payments are low and manageable, terms run up to 5 years, most with a $1 buyout, and equipment may qualify for Section 179, a potential 100% deduction (ask your CPA). You conserve cash for payroll and growth.
Loan calculator questions
Does using the calculator affect my credit?
No. The calculator and pre-qualification start with a soft inquiry. A lender may run a hard inquiry only at final approval.
How accurate is the estimate?
It is an estimate based on what you enter. Your final rate and payment depend on credit, time in business, revenue, collateral and the lender.
What do I need to apply after I get a quote?
A short online application, 3–4 months of business bank statements and, for equipment, the invoice or quote.
Can a startup use the calculator?
Yes. Startups can get estimates for equipment leasing; most working capital products need 6+ months of revenue.
How fast can I get funded?
Working capital can fund in 1–2 days after approval. Equipment deals usually fund in a few days once paperwork is complete.
Ready to see real offers?
Apply in minutes or call (888) 511-6223.
Rates and terms disclosure: any rates, payments or terms shown are examples only. Sample rates apply to established businesses with 3 to 5+ years in business and strong credit (680+ FICO), subject to credit approval. Startup rates vary and are subject to final approval. Application-only limits vary by credit, time in business, equipment type and industry; amounts shown are guidance, not a promise. $0 down is reserved for businesses with 5+ years in business, established PayNet and D&B business credit and 700+ personal credit. This is not an offer or commitment to lend. Not tax advice; ask your CPA about Section 179.